Not bad, but it will never happen. The game designed around a very small amount of gear and a broken RNG mechanic makes obtaining said gear a total crap chute. Since the storytelling is nonexistent and the actual content is minimal, Bungie relies on the desire to obtain that gear to keep players coming back and mindlessly hashing out the same tired missions again and again. Anything that might accelerate a player's ability to obtain that gear is never going to see the light of day and your suggestion falls squarely within that category. People really need to let the dead horse that is the desire for trading just rest in peace. Bungie knows you want it, they just don't care.
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It's an idea function not just a trading topic. It gives uses for stock piled coins and motes.
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It would indeed provide a use for those coins, but let's not delude ourselves. What you described is a fancy form of trading (after all, what else would a "Tower trading vendor" do?) and trading will never make it into this game. It may make it into the franchise in subsequent installments if the amount of content is greatly increased, but I'd say that's highly unlikely at best.